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Hello everyone,
I moved to the United States 5 years ago as my wife is from here and after three years of deciding wether to live here, have finally applied for citizenship.
I get my social security number in a few weeks, and I will probably start with fresh credit.
I will be going to college here for undergrad, and will probably take out student loans.
I have been reading these forums and have decided to open up 6-8 credit cards and one store card.
Is that the right number?
How do I go about qualifying for these cards if I have no credit and what are good cards/bank accounts to start with.
I would like to apply for a papal/newegg/Amazon card and a bill me later account as I buy a lot of computer parts and other stuff online. Does anyone have any knowledge about these cards?
Any feedback from all of you would be helpful, and i would be more than willing to use my credit as a means for research/experiment ;p as long as it helps people learn more about the credit process and doesn't involve doing anything harmful to my credit.
Also, does anyone know what credit score would i start with? Would it be a 0?
Once again, any advice would be really appreciated.
Thanks!
Hello and welcome to the forum.
First, I highly recommend that you read some of the "helpful threads" which teach you about credit scoring and building credit:
FICO High Achievers - Credit Scoring 101 - myFICO PDF Booklet - Closing CC's
Frequently Requested Threads - FTC website: Knee Deep in Debt - Helpful Threads
FICO Score Estimator
After this, you can search this forum for keywords of your interest areas. Most questions have been previously asked, and therefore many answers are available through a search immediately, rather than having to wait for a reply.
If you find a unique situation that the helpful threads and forum search cannot answer, then you can post your specific questions.
Your current post is very broad and entails many areas regarding credit, rangning from scoring, building, reporting and applying.